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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,130 | $90,170-68.8% | $150,734-81.3% | $69,733-59.7% |
| Participation rate | 99.1% | 60.2%+38.9pp | 78.4%+20.6pp | 62.5%+36.6pp |
| Annual return | 13.32% | 16.56%-3.2pp | 600.81%-587.5pp | 15.22%-1.9pp |
| Employer contribution / active EE | $1,986 | $3,428-42.1% | $4,918-59.6% | $2,250-11.7% |
| Participant deferral / active EE | $5,240 | $3,086+69.8% | $5,610-6.6% | $3,054+71.6% |
| Admin fee / account holder | $937 | $4,600-79.6% | $14,905-93.7% | $3,102-69.8% |